Medicare Advantage
UnitedHealthcare's 2027 Medicare Advantage lineup in Chicago: one new plan, 11 in total
CHICAGO — Fall 2026. If you have a UnitedHealthcare Medicare Advantage plan in Chicago, or you are weighing one for next year, the 2027 lineup is now set. UnitedHealthcare will offer 11 Medicare Advantage plans in Cook County for the plan year that begins January 1, 2027, including one plan that is new for next year. None of its current Chicago-area plans are leaving.
Compare Medicare Advantage options near you
Answer 3 quick questions to see Medicare Advantage listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Advantage options you can choose.
These listings are provided by licensed insurance partners.
Medicare Advantage plans in your area are changing or leaving for 2027.
One call tells you whether your plan is on the list — before enrollment opens.
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan on the list? One call tells you — before enrollment opens.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Found a plan you like online?
One free call confirms it's actually right for you — online directories are wrong more often than you'd think.
- Your doctors — confirmed in-network for 2027
- Your prescriptions — checked against the plan's 2027 drug tiers
855-729-3240 · free · about 5 minutes
Key takeaways
- UnitedHealthcare has 11 Medicare Advantage plans in Cook County (where Chicago sits) for 2027: 6 HMO-POS and 5 PPO, and all 11 include drug coverage.
- One plan is new for 2027 and no UnitedHealthcare plans are leaving; the full plan-by-plan list is in the table below.
- Three of the 11 are Special Needs Plans — 2 Chronic-Condition SNPs and 1 Institutional SNP — for people who meet the eligibility rules.
- You have until December 7, 2026 to change plans for coverage starting January 1, 2027; if you do nothing, your current plan renews with the changes listed in its Annual Notice of Change.
MyMedicarePlans.org is an independent consumer site. We are not UnitedHealthcare, not AARP and not Medicare. We publish what CMS publishes, so you can check it against your own doctors and prescriptions before the Annual Enrollment Period closes December 7, 2026.
What UnitedHealthcare is offering in Cook County for 2027
Chicago is in Cook County, where Medicare Advantage availability is set by CMS. For the 2027 plan year, UnitedHealthcare is offering 11 Medicare Advantage plans in the county, broken down this way:
- 6 HMO-POS plans
- 5 PPO plans
- 11 of the 11 include Part D prescription drug coverage
- 3 Special Needs Plans (2 C-SNPs and 1 I-SNP)
The table below lists every UnitedHealthcare plan available in the county for 2027, with its plan type and whether it includes drug coverage. UnitedHealthcare is one of 12 carriers offering Medicare Advantage in Cook County next year; together, those carriers offer 67 plans.
What is new, what is not returning
For 2027, UnitedHealthcare is adding one plan in Cook County: AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS). No UnitedHealthcare plans in the county are being discontinued for 2027.
Even when a plan is "returning," its details can change year to year — premiums, drug formularies, provider networks, extra benefits and copays are all set annually. That is why every member gets an Annual Notice of Change (ANOC) in the fall. If you are enrolled in a UnitedHealthcare plan now, read your ANOC before December 7 so you know exactly what shifts on January 1.
Special Needs Plans in the lineup
Three of UnitedHealthcare's 2027 plans in Cook County are Special Needs Plans:
- UHC Complete Care Support IL-1A (PPO C-SNP) and UHC Complete Care Support IL-7 (HMO-POS C-SNP) are Chronic-Condition SNPs, which require a qualifying chronic condition.
- UHC Nursing Home Plan IL-F001 (PPO I-SNP) is an Institutional SNP, generally for people who live in or need the level of care of a nursing facility.
SNPs are not open to everyone. Medicare's Plan Finder will tell you whether you qualify, or you can call 1-800-MEDICARE.
How to check a plan against your doctors and prescriptions
The only reliable way to see if a given UnitedHealthcare plan fits your life is to run your own information through the official tools. Before you enroll or stay put, do these four things:
1. List your prescriptions. Drug name, dose, and how often you take it. Keep this list open while you shop. 2. List your doctors and preferred hospitals. Include specialists and any upcoming procedures. 3. Use Medicare's Plan Finder at medicare.gov/plan-compare. Enter your ZIP code and your drugs. The tool will show each plan's estimated yearly drug cost based on your medications and will link to the plan's provider directory. 4. Confirm the network directly. Call your doctor's office and ask whether they will be in the plan's network for 2027 — networks for next year are not the same as this year's.
If you want to talk it through with a person, 1-800-MEDICARE is available 24/7.
2027 numbers worth knowing
A few program-level figures are already set for 2027:
- The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
- The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026).
- The Part D national base beneficiary premium for 2027 is $41.33 — a formula input used in late-enrollment penalty math, not the premium any particular plan charges.
CMS announces the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, later in the fall — typically in November. We will not estimate those.
Key dates
- October 15 – December 7, 2026: Annual Enrollment Period. Changes take effect January 1, 2027.
- January 1 – March 31, 2027: Medicare Advantage Open Enrollment, if you are already in a Medicare Advantage plan and want to switch once or return to Original Medicare.
Doing nothing is a choice, too. If you take no action, your current plan renews for 2027 with whatever changes are described in its ANOC — assuming the plan is still offered.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Cook County
(MA penetration in Cook County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Cook County for 2027
CMS lists 11 UnitedHealthcare Medicare Advantage plans in Cook County for 2027, alphabetically by carrier. 11 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 11 plans | |||
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC IL-0004 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC IL-5 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS) | HMO-POS | Yes | New |
| UHC Complete Care Support IL-1A (PPO C-SNP) | PPO C-SNP | Yes | Returning |
| UHC Complete Care Support IL-7 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Nursing Home Plan IL-F001 (PPO I-SNP) | PPO I-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How UnitedHealthcare Medicare Advantage plans in Cook County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are available in Chicago for 2027?
Are any UnitedHealthcare plans leaving the Chicago area for 2027?
What should I do before December 7, 2026?
Is UnitedHealthcare the only carrier offering Medicare Advantage in Cook County?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Chicago
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan rankings or recommendations. This is educational content. We don't rank, score, or recommend specific plans.
- AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
- Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
- Correction transparency. We fix errors openly and note when a page was last updated.
- Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.
This page was last updated: October 2026.